VR Factoring
VR Factoring GmbH is a BaFin-supervised German factoring provider serving SMBs through Full-Service and Inhouse Factoring, distributing via 700+ cooperative banks and 7,500+ branches under the DZ BANK-owned Genossenschaftliche FinanzGruppe, with revenue from transaction fees and financing interest.
- Company typePrivate
- Founded1963
- HeadquartersEschborn, Germany
- Headcount51–100
- GTM typeB2B
- OfferingServices
What VR Factoring does
VR Factoring GmbH is a BaFin-supervised German factoring company that provides receivables-purchase and receivables-management services to small and medium-sized enterprises, offering both Full-Service Factoring (in which VR Factoring takes over the entire receivables management process) and Inhouse Factoring (in which the customer retains customer communication while VR Factoring provides liquidity and default protection). The company serves B2B customers with annual revenue above EUR 500K and payment terms up to 120 days, advancing up to 90% of invoice value within 24 hours and providing 100% default coverage under the Full-Service model. Its technology stack centers on the proprietary VRFnet online portal for account management and payment tracking, with DATEV integration for automated accounting data exchange, and a 2025-launched online Factoring Calculator that functions as a digital self-service lead-generation and education tool.
The company makes money through two transaction-based streams: a factoring fee calculated as a percentage of the customer's annual sales turnover, and market-standard interest charged on the pre-financing period of the receivable. VR Factoring operates a hybrid go-to-market — a channel-partner model via the Genossenschaftliche FinanzGruppe network of more than 700 Volksbanken und Raiffeisenbanken with over 7,500 branches across Germany, layered with a direct sales team that handles complex receivables structures. Brand, capital, and credit-rating strength flow from DZ BANK AG, which has owned 100% of VR Factoring since September 2020, and from the cooperative banking group's 150+ year history. The company traces its origins to 1963 (Mittelrheinische Kreditbank Dr. Hornbach & Co. KG, Mainz), making it one of Germany's factoring pioneers. In November 2024 it relocated its headquarters from Eschborn to Frankfurt am Main onto the DZ BANK Campus, and in 2025 it launched a centralized generative AI platform in proof-of-concept for internal knowledge work.
VR Factoring firmographics
Firmographics- Name
- VR Factoring
- Legal name
- VR Factoring GmbH
- Website
- https://vr-factoring.de
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- VR Factoring GmbH is a BaFin-supervised German factoring provider serving SMBs through Full-Service and Inhouse Factoring, distributing via 700+ cooperative banks and 7,500+ branches under the DZ BANK-owned Genossenschaftliche FinanzGruppe, with revenue from transaction fees and financing interest.
- Ownership category
- akta.pro rank
Where VR Factoring is headquartered
LocationHeadquarters
- HQ city
- Eschborn
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
VR Factoring business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Factoring Fee (Factoring-Gebühr): Transaction-based fee charged as a percentage of the customer's annual sales turnover. This is the primary revenue stream, calculated based on the total volume of receivables sold to VR Factoring.
- Financing Interest: Market-standard interest charged for the period of pre-financing the receivable amount. Customers receive up to 90% of the invoice value immediately, with the interest cost covering the time value of this advance payment until the customer pays or the 120-day maximum is reached.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Customized Factoring Solution |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
VR Factoring product offering
Product offeringCore offering
VR Factoring GmbH provides receivables purchasing (factoring) and receivables management services to German B2B companies, advancing up to 90% of invoice value within 24 hours. The company offers two main models: Full-Service Factoring, where VR Factoring assumes the entire receivables management including dunning and collection, and Inhouse Factoring, where the customer retains customer communication while VR Factoring delivers liquidity and default protection.
Differentiator
Problem solved
Functional benefit
Products and services
- Full-Service Factoring
- Inhouse Factoring
Quantifiable outcome
- Example: With 7.2 million EUR purchase volume (60% of revenue), 2% early payment discount yields 144,000 EUR annual savings.
- +2 more outcomes
Companies that use VR Factoring
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
VR Factoring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature4 records
VR Factoring partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor, core and major.
- Berliner VolksbankminorBerliner Volksbank collaborated with VR Factoring for joint exhibition at the 'Zukunftstag Mittelstand' trade fair. The local bank's presence positively influenced visitor engagement at VR Factoring's booth, demonstrating the partnership model's effectiveness in generating leads.
- Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreVR Factoring has been a fixed part of the Genossenschaftliche FinanzGruppe since 2003. The cooperative banking network with over 700 banks and 7,500+ branches serves as the primary distribution channel, with bank advisors recommending factoring solutions to their commercial customers. The partnership combines local relationship banking with specialized factoring expertise.
- BVR (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken)majorBVR is the professional association representing the cooperative banking sector in Germany. VR Factoring maintains membership and collaborates on industry standards and best practices within the cooperative financial network.
- Factoring-Verband e.V.minorGerman factoring industry association that represents the interests of factoring companies and promotes industry standards. VR Factoring maintains membership.
Scale indicators6 records
Recent moves9 records
Expansion highlights5 records
VR Factoring competitors and assessment
Company assessmentDirect peers
- Coface: Global trade credit insurance and factoring group with significant German operations (Coface Finanz). Directly comparable as a full-service receivables management and factoring provider competing for the same German SME and mid-market book.
- Deutsche Factoring Bank: Bremen-based German factoring bank offering Full-Service and Inhouse factoring. Directly comparable product mix and German SMB focus, competing head-to-head in the same Mittelstand receivables-financing market.
- Allianz Trade (formerly Euler Hermes): Germany-headquartered (Hamburg) global leader in trade credit insurance and factoring. Closely comparable business model — receivables purchasing, default protection, and receivables management — and serves overlapping SME and mid-market German customers.
- Eurofactor GmbH: German factoring subsidiary of Crédit Agricole Group, offering Full-Service and Inhouse factoring solutions. Directly comparable in product offering, customer segment (German SMEs), and pan-bank distribution approach.
- S-Kreditpartner GmbH & Co. KG: Factoring specialist subsidiary of the Sparkassen-Finanzgruppe. A direct cooperative-banking-system competitor to VR Factoring with a parallel distribution model via local savings banks — mirroring the Volksbanken/Raiffeisenbanken partnership structure.
- abcfinance GmbH: Cologne-based German factoring specialist (Werhahn Group subsidiary) focused on SMBs. Directly comparable in target customer, factoring products (Full-Service and Inhouse), and Mittelstand distribution model.
Emerging players
- Riverty: Bertelsmann-owned German fintech (formerly Arvato Financial Solutions) offering B2B Buy Now Pay Later, factoring, and receivables management. Targets the same SME segment with a digital-first, non-bank-channel model that competes with VR Factoring's bank-led approach.
- Billie GmbH: Berlin-based B2B fintech offering Buy Now Pay Later and embedded working-capital financing for SMEs. Partial overlap with VR Factoring on the receivables-financing use case but competes via a faster, fully digital onboarding experience that bypasses traditional bank channels.
Broad incumbents
- Commerzbank AG: Major German commercial bank offering factoring as part of a broader Mittelbank/Mittelstand finance portfolio. Comparable in providing factoring to German SMEs but operates as part of a much wider product suite rather than a specialized factoring franchise.
Regional players
- SEB Factoring (SEB Bank): Factoring arm of SEB Bank, providing receivables financing primarily to Northern European and German corporate clients. Comparable product offering (Full-Service and Inhouse factoring) but with a different geographic center of gravity than VR Factoring's purely domestic footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
VR Factoring social profiles
Digital presenceVR Factoring financial estimates
Financial estimateRevenue estimate
Valuation estimate
VR Factoring leadership team
Management profileNumber of profiles
Profiles12 records
VR Factoring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VR Factoring M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VR Factoring
What does VR Factoring do?
VR Factoring GmbH provides receivables purchasing (factoring) and receivables management services to German B2B companies, advancing up to 90% of invoice value within 24 hours. The company offers two main models: Full-Service Factoring, where VR Factoring assumes the entire receivables management including dunning and collection, and Inhouse Factoring, where the customer retains customer communication while VR Factoring delivers liquidity and default protection.
Is VR Factoring a public or private company?
VR Factoring is a private company. It is classified as corporate owned and is currently operating.
When was VR Factoring founded?
VR Factoring was founded in 1963. It employs 51 to 100 people.
Where is VR Factoring based?
VR Factoring is headquartered in Eschborn, Germany, in the Europe region.
How does VR Factoring make money?
Two revenue lines are on record. Factoring Fee (Factoring-Gebühr) is the primary driver. The others are financing Interest.
Who are VR Factoring's main competitors?
Direct peers on record are Coface, Deutsche Factoring Bank, Allianz Trade (formerly Euler Hermes), Eurofactor GmbH, S-Kreditpartner GmbH & Co. KG and abcfinance GmbH. Emerging players are Riverty and Billie GmbH. Commerzbank AG is listed as a broad incumbent. SEB Factoring (SEB Bank) is listed as a regional player.
Does VR Factoring have an API?
No public API is recorded for VR Factoring.